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I’m in central Ohio as well and had one installed when my coil died in my home a few years ago. It works fairly well down into about the low thirties, but beyond that the aux heat (gas, I kept my furnace) flips on.
There is a point where the temp dips low enough to render mine useless, but we have some at my office that work in the mid to low twenties(!)
Costco will indeed revoke your membership if you abuse this quite a bit. It’s not a hack in as much as it is Russian roulette.